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Home Insurance Overview

Home Sweet Home. Your house is more than a structure - it's special, unique, the result of your hard work and savings, the place you rest your head at night. It doesn't look like the other homes on your street, so why should your insurance policy? That's what sets Insurance by Allied Brokers apart from your 1-800 insurance company. With years of experience and partnerships with over a dozen reputable insurers, we'll make sure that the insurance policy that protects your home is 100% customized to you.

One of the most important factors we stress here at Insurance by Allied Brokers is how important it is to to buy the right type of policy. You need the proper level of protection, plus special provisions for valuables such as jewelry, your computer equipment and other possessions. You might also need additional coverage for such things as earthquakes or flooding.

Lending institutions usually require mortgage customers to purchase homeowners insurance. Don't rely on the coverage levels mandated by your bank or mortgage company. Those levels are designed to protect the house itself, but not necessarily your possessions. That's why it's important to check with your agent or insurance company to make sure you have adequate coverage.

What does homeowners insurance protect my home against?

Homeowners policies protect your home and contents against these perils:

  • Fire and Lightning
  • Weight of ice/snow
  • Glass breakage
  • Vehicle & Aircraft Damage
  • Wind Storm & Hail
  • Accidental Damage from Plumbing or Heating
  • System Including Freezing
  • Accidental Electrical Damage
  • Vandalism and Rioting
  • Falling Objects
  • Theft
  • Smoke
  • Explosion

Homeowners policies also offer personal liability protection against:

  • Claims for bodily injury on or away from your premises
  • Claims for damage to property of others
  • Medical expenses for guests (regardless of responsibility)
  • Fire legal liability

Loss due to an earthquake is not a covered peril under basic homeowners policies. See our Earthquake Insurance section for more information.

When it comes to protecting your home, don't just look at the cost factor.
Look at the big picture. Let Insurance by Allied Brokers protect your home.
The Companies We Represent

Insurance by Allied Brokers offers home insurance policies from the following:

  • Allied Insurance Company
  • American Collectors
  • Arrowhead Clarendon
  • California Insurance Group (CIG)
  • Foremost
  • Fireman's Fund
  • Great American
  • Hartford
  • Mercury
  • Nationwide
  • Progressive West
  • Travelers

Truth is, there is no "best" insurance company out there. It takes experience to seek out the best insurance policy offering everything you need, at the best price on the market. Let Insurance by Allied Brokers do the searching for you, give us a call today at 650) 328-1000 to speak to a live agent. We're here to help you.

Learn More Now: Types of Home Insurance

Cities Served: Menlo Park, Redwood City, Atherton, San Carlos, San Bruno, San Mateo, Burlingame, Foster City, San Francisco, Brisbane, Belmont, Los Altos, Los Altos Hills, Sunnyvale, Mountain View, Cupertino, Saratoga, Half Moon Bay, San Jose, Campbell, Los Gatos, Milpitas, Santa Clara

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